OUR COMPANY

Welcome to Lock & Key Mortgages

Our team of knowledgeable and experienced mortgage brokers are dedicated to delivering friendly, professional and impartial advice on the whole intermediary mortgage market, helping our customers get the best deal.

We pride ourselves on being proactive and approachable, offering invaluable mortgage advice and consultancy to help you start your journey towards finding the perfect mortgage solution for you.

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First Time Buyers

Are you looking for a mortgage for your first home?

We specialise in offering guidance on first-time buyer mortgages, providing comprehensive advice on the full range of choices at your disposal.

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Remortgage Deals

Remortgaging not only has the potential to reduce your monthly payments but also substantially decrease the number of years left on your loan. 

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Buy To Let Mortgages

We are independent and can connect you with the entire intermediary range of UK lenders, ensuring comprehensive access to the market.

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Protection

Our skilled advisers can help find a policy to protect what matters most to you and provide insurance coverage that can keep you and your family safe should the worst happen.

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Moving Home

Get expert mortgage advice, an Agreement in Principle, and a clear breakdown of costs—so you can move with confidence.

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Further Advances

A Further Advance can help fund home improvements, consolidate debt, or finance major purchases. With expert guidance and competitive rates, we’ll find the right solution for you. Contact us today!

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KEY FEATURES

Expert mortgage advice

Looking for a trusted mortgage advisor in Southampton? You’re in the right place!

At Lock & Key Mortgages, we provide expert, independent mortgage advice tailored to your individual needs. Whether you’re a first-time buyer, remortgaging, or exploring buy-to-let options, our experienced team is here to guide you every step of the way—making the process simple, clear, and stress-free. Get in touch today and let’s find the right mortgage for you.

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WHY TO CHOOSE US

You can rely on our expertise and professionalism when it comes to quality mortgage and protection solutions.

Independent Mortgage Advisers

Full Intermediary
Mortgage Access

Tailored & Personalised Solutions

Knowledgeable & Experienced Staff

Phone, Online, In Person Appointments

Friendly &
Approachable

Secure Your Dream Home with Expert Mortgage Advice!

Looking for the best mortgage deal? Whether you're a first-time buyer, remortgaging, or investing in property, we’ll find the perfect solution for you.

  • Tailored mortgage solutions
  • Exclusive rates & expert advice
  • Stress-free application process

Contact  us today

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or Book a Free Consultation!

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What our clients say...

Read why we are the best mortgage broker in Southampton

Lock and Key Mortgages
5.0
Based on 32 reviews
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Maddison Burden
20:13 24 Jun 25
We went to Graham to help us buy our first home and he has been amazing. The best decision we made during our buying process was choosing him! He made us feel so comfortable and made everything clear. We have been able to ask him questions whenever we need and he gets back to us so quickly, couldn’t recommend him enough!!
Sarah Collings
15:04 20 Jun 25
I cannot recommend Graham highly enough. He has been managing our mortgage for the past 15 years, and nothing is ever too much trouble for him. He is always willing to answer all our questions, regardless of whether they are big, small, or seemingly silly. Over the years, he has provided us with excellent advice and genuinely cares about securing the best deal for us.

He is always available on the phone or WhatsApp and responds promptly, even while on his holidays.

I have recommended Graham to many of my friends and family members, and they all echo our sentiments: he is truly a genuinely lovely person.
Mark Tyler
18:58 13 Feb 25
Support and advice has been second to none. Would and have made recommendations and will continue to do so.
Gemma Baker
14:05 04 Feb 25
Graham is the best financial adviser I have dealt with. He is responsive, easy to talk to and understanding of different personal situations to work to find the best way forward. I would not hesitate to recommend Graham/Lock and Key Mortgages.
Hannah Sullivan
20:22 23 Jan 25
Graham has been utterly amazing from start to finish! He guided us through our mortgage process with so much patience, professionalism and support, we are so grateful for all his help and guidance.
He is approachable, no question or query was too much. He will come very highly recommended to anyone in need of a mortgage or any advice. Thank you Graham and Lock & Key - your service is truly second to none!
Ben Mitchell
19:03 23 Jan 25
It’s been a faultless experience finding a mortgage for my next house with Graham at Lock and Key Mortgages. From the start, he was professional, approachable, and genuinely took the time to understand my needs. He walked me through every step of the mortgage process, answered all my questions, and provided clear, straightforward advice. What impressed me most was his dedication to finding the best deal for me, and he made sure I felt confident and informed throughout. I couldn't have asked for better service and will definitely be recommending him to family and friends. Thank you, Graham, for making this process so much easier!
Adam Lowther
20:57 09 Dec 24
Have used Graham at lock and key for a few mortgages now, really helpful and thorough. Great at explaining different things for us to understand and always really accommodating. We wouldn’t use anyone else.
Beccy Mintram
19:04 09 Oct 24
We highly recommend Graham at Lock and Key Mortgages. We've used Graham for almost 10 years, across a couple of house moves and re-mortgages and cannot fault his service. He is thorough and explains everything really well (to us as non finance-y people!), and always looks out the best options for us.
Thanks Graham, we will definitely be back at mortgage renewal time!
Kate Blackmore
11:19 09 Oct 24
I have been a client of Graham's for years and he is always super helpful and proactive. He recently sorted our remortgage out for us and we're really grateful of Graham's excellent service once again. Thanks Graham!
Harry
16:44 23 Aug 24
Graham has been excellent. As first time buyers, my partner and I started shopping around for rates from both fee-charging and fee-free mortgage brokers. We were recommended Graham by a family member and were immediately impressed with both his knowledge and friendliness. He not only generated us the best rates as a fee-free broker, but has gone above and beyond in explaining/facilitating the house buying process (e.g solicitors, surveyors etc).

Thoroughly recommend Lock and Key Mortgages and will no doubt be getting in contact when it comes to remortgaging!
Natalie Sparshott
19:17 22 Jul 24
Graham has been an absolute pleasure to work with from start to finish. All of my friends had used him as their broker & highly recommended Graham to me, so we decided to use him as ours this time for our move.
From thousands of questions which never seemed to bother him, to changing our mortgage lender/rate god knows how many times, we cannot fault any of his work.
Thank you so much Graham for all of your help, you’ve been absolutely fab. We will definitely be using you in 2 years again!